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Home›Best Cashback Credit Cards›UOB ONE Card 2026
Updated May 2026 · RM88 Welcome Cashback

UOB ONE Card Malaysia 2026

10% cashback on petrol · dining · groceries · Grab — RM88 on approval

10%
Cashback rate
4 categories
RM60
Max/month
4 × RM15 cap
RM88
Welcome gift
on card approval
RM1,500
Min spend
per month

UOB ONE Card Cashback Categories — Full Breakdown

CategoryCashback RateMonthly CapMax at Cap
Petrol (any station)10%RM15/monthRM150 spend
Dining & food delivery10%RM15/monthRM150 spend
Groceries10%RM15/monthRM150 spend
Grab (rides, food, GrabPay)10%RM15/monthRM150 spend
All other retail0.2%No cap—
Important: You must spend RM1,500+ total in a statement month to activate 10% cashback. If you spend RM1,499 or less, ALL categories revert to 0.2% — even petrol and Grab. Plan your spending accordingly.

Real Monthly Savings — Typical Malaysian Spending

Monthly SpendingCashback Earned
RM200 petrol + RM300 dining + RM200 groceries + RM100 Grab (total RM1,800)RM15 + RM15 + RM10 + RM10 = RM50/month
RM150 petrol + RM150 dining + RM150 groceries + RM150 Grab (total RM1,800+)RM15 + RM15 + RM15 + RM15 = RM60/month (MAX)
RM100 petrol + RM200 dining + RM300 groceries (total RM600 — below RM1,500)0.2% only = RM1.20 (unlock threshold missed!)
Verdict: Best all-rounder cashback card for Malaysians who spend on petrol + dining + Grab. The RM60/month max cashback = RM720/year — easily covers the annual fee with RM525 net benefit.
💳 UOB Malaysia10% cashback on 4 categories · FREE RM200 TNG credit

FREE RM200 TNG credit + 10% cashback on petrol, dining & Grab

10% cashback on petrol at ALL stations, dining, groceries & Grab in one card. Spend RM1,500+/month to unlock the full rate. Apply via RinggitPlus for FREE RM200 TNG e-wallet credit.

Petrol (any station)10% · cap RM15/month
Dining & food delivery10% · cap RM15/month
Groceries10% · cap RM15/month
Grab (rides, food, mart)10% · cap RM15/month
Max monthly cashbackRM60 (4 × RM15)
  • 🎁FREE RM200 TNG e-wallet credit when you apply via RinggitPlus
  • 📅1-year annual fee waiver (RM195) for new applicants
  • ⛽Petrol works at ALL stations — not locked to one brand
Apply UOB ONE Card — Get FREE RM200 TNG Credit →

Commission via RinggitPlus. Minimum RM1,500 monthly spend required to unlock 10% cashback. Caps apply per category.

Who Should Get the UOB ONE Card?

✅ Good fit if you:

  • • Fill up petrol at mixed stations (not just Shell)
  • • Spend RM1,500+/month consistently on the card
  • • Eat out or order GrabFood regularly
  • • Use Grab for rides or daily transport
  • • Earn RM3,000+/month (min income requirement)

❌ Not ideal if you:

  • • Can't consistently hit RM1,500/month card spend
  • • Fill up exclusively at Shell (RHB Shell gives 12%)
  • • Want a single card for all overseas + local spending
  • • Prefer no annual fee cards

Shell User? Compare RHB Shell Visa

If you fill up exclusively at Shell and spend RM3k+/month, RHB Shell Visa gives 12% petrol cashback (vs UOB ONE's 10%).

💳 RHB BankUp to 12% petrol cashback · Annual fee waived with 2 swipes/month

Fill up RM300 of Shell petrol — get RM30 back every month

Best petrol card in Malaysia for Shell regulars. Spend RM3,000/month total to unlock 12% Shell cashback + 5% on groceries, e-wallets & utilities.

Monthly spend RM1,000–1,9993% petrol · 1% others
Monthly spend RM2,000–2,9995% petrol · 2% others
Monthly spend RM3,000+12% petrol · 5% others
Shell petrol capRM30/month
Groceries / e-wallet capRM10/month each
  • 💰Annual fee RM195 — waived with just 2 transactions/month (24/year)
  • ⛽Shell nationwide — works at all Shell stations across Malaysia
  • 📱E-wallet top-ups count: TNG, GrabPay, Boost, ShopeePay, Lazada Wallet
Apply RHB Shell Visa — Get 12% Petrol Cashback →

Commission via RinggitPlus. Cashback subject to monthly caps. Annual fee waived with 24 qualifying transactions/year.

More Cashback & Savings

Best Cashback CardsRHB Shell VisaAlliance Visa SignatureShopBack Cashback
📈 FSMOne — Free RM25Expires 29 May 2026

RM670/Month for 30 Years = RM1M — At 0% Sales Charge

Plus RM25 free and 50% OFF fees for 30 days when you sign up with code 4G4TEP.

Monthly DCA → RM1M at 8% p.a.

Monthly10 yrs20 yrs30 yrs
RM300/moRM55kRM177kRM449k
RM500/moRM91kRM297kRM749k
RM670/moRM122kRM397kRM1.0M
  • ✅900+ unit trust funds including ASNB
  • 🌍Invest in Bursa, US (NYSE/NASDAQ) & HK stocks
  • 🔐SC regulated — iFAST Malaysia
Sign Up Free — Get RM25 & 50% OFF Fees →

Use code 4G4TEP · Min. RM100 deposit · Offer expires 29 May 2026 · T&Cs apply

Frequently Asked Questions

How much cashback does the UOB ONE Card give in Malaysia?
The UOB ONE Platinum Card gives 10% cashback on four categories: petrol (any station), dining, groceries, and Grab — subject to a RM15 cap per category per month. Maximum total cashback is RM60/month (4 categories × RM15). You must spend RM1,500+ total in a statement month to unlock 10% rates; otherwise you earn only 0.2%.
What is the minimum spend for UOB ONE Card 10% cashback?
You must spend a minimum of RM1,500 per statement month across all categories to unlock the 10% cashback rate on petrol, dining, groceries, and Grab. If your monthly spend falls below RM1,500 in any month, all transactions revert to 0.2% cashback that month.
Does UOB ONE Card work at any petrol station in Malaysia?
Yes. Unlike the RHB Shell Visa (Shell-only), UOB ONE Card gives 10% cashback at ANY petrol station — Petronas, Shell, BHP, Caltex, Petron. The RM15/month cap on petrol means you earn max cashback on RM150 of petrol spend per month.
What is the UOB ONE Card welcome offer in Malaysia 2026?
New UOB ONE Card applicants (as of 2026) receive RM88 cashback credited on card approval. The first-year annual fee (RM195) is also waived. Welcome offer valid through December 2026 — always confirm current terms with UOB Malaysia before applying.
What is the annual fee for UOB ONE Card?
UOB ONE Platinum Card annual fee is RM195 per year (plus RM25 SST). The first year is waived for new applicants. From year 2 onwards, the fee is waived if you spend RM20,000+ annually (≈RM1,667/month). Supplementary cards cost RM100/year.
UOB ONE Card vs RHB Shell Visa — which is better?
UOB ONE Card is better if you want cashback on petrol at any station + dining + Grab (max RM60/month). RHB Shell Visa is better if you fill up exclusively at Shell and spend RM3,000+/month total — you earn 12% at Shell (up to RM30) vs UOB ONE's 10% (capped RM15). For most Malaysians who eat out and use Grab, UOB ONE wins on versatility.